When replacing your home’s old, outdated, or leaky windows, you can typically choose between a full-frame or an insert replacement. If you’re drawing up a budget for window replacement, you’ll want to take a closer look at window replacement costs and how these two different window types compare when it comes to durability, energy efficiency, and ease of installation. In this guide, we’ll compare full-frame and insert window replacements to help you determine the right option for your needs.

In the video below, This Old House general contractor Tom Silva helps a homeowner select and install energy-efficient replacement windows.

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What Is Full-Frame Window Replacement?

As the name implies, a full-frame replacement window contains a frame that replaces your existing window frame. The frame consists of a head across the top, a jamb across the bottom, and two sills on either side.

Sometimes called block-frame window replacements, these units allow you to change out your window frames without disturbing your home’s exterior siding. This is especially useful for homes with stucco or brick exteriors that are difficult to remove and replace. Full-frame replacement requires a longer and more expensive installation process than insert replacement, but the results are more durable.

Full-frame window replacement is best suited for the following situations:

• Customers who would like to change their window’s size or shape
• Rotting window frames
• Windows that are out of square from shifting and settling

Full-frame window replacement is not the same as a new construction window, but you might hear people occasionally use these terms interchangeably. Compared to a full-frame replacement, a new construction window has additional nail fin flanges around the window’s perimeter that you would need to nail directly to your home’s wooden frame. This kind of replacement requires stripping the window opening of all drywall and siding down to the studs. These are usually the best replacement windows for extensive remodeling projects, such as home additions.

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What Is Insert Window Replacement?

Unlike full-frame window replacements, insert or pocket window replacements don’t have their own frames. During insert window installation, you would leave the old frames intact and put new sashes and hardware into place. This installation method is the quicker and more affordable window replacement option since you would only need to remove the interior trim. However, it results in a slightly less insulated window.

Additionally, if there is any damage to the original frame, insert replacement windows won’t fix the problem. For example, old vinyl windows may not be good candidates for pocket replacements as the frames tend to warp over time. Wood windows, on the other hand, are often suited to pocket replacements as long as the frames are in good shape and haven’t sustained water damage.

Homeowners may opt for insert replacement windows if any of the following apply:

• The existing window frame is in good condition.
• They’re satisfied with their current window shape, size, and operation.
• They need a quick and inexpensive window replacement.

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Full-Frame vs. Insert: Energy Efficiency

The most energy-efficient window replacement option is a full replacement with a new construction window because it attaches directly to the studs and you would then seal the siding on top of it. However, a full-frame window replacement is a close second, offering a good balance of price and efficiency. Because you would replace the entire frame with this method, you’re guaranteed a perfect fit and a stronger seal between the frame and window. You can also change window styles as long as the size and shape are the same. For example, you could swap a double-hung window for a more energy-efficient casement window.

With an insert window replacement, you’re at the mercy of the current window frame’s size and shape. If it has warped or shifted, fitting the replacement will be more difficult and the result may have gaps or cracks. You will need to fill these with sealant and the likelihood that they will eventually leak or transfer heat is much higher than it is with full-frame replacements.

Since 25–30% of home heat loss occurs through windows, these leaks can cause your HVAC system to work much harder, increasing your energy bills in the long run.

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Full Frame vs. Insert: Cost Comparison

Insert window replacements are typically less expensive than full-frame replacements, in terms of both material and labor costs. The reduced scope of work and shorter installation time contribute to the lower overall cost.

While more expensive, full-frame replacements offer a complete window system overhaul. Depending on size, material, and style, the cost for full-frame replacements can range from $180–$1,500 per window. Insert replacements generally cost between $100 and $400 per window.

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Full-Frame vs. Insert: Installation Process

To install your window replacements, follow our tips for measuring windows to ensure you know the exact replacement size you need. Then, proceed with the installation process for your chosen window replacement type.

Full-Frame Window Installation

You’ll need the following tools for a full-frame window replacement:

• Hammer
• Power drill
• Pry bar
• Reciprocating saw
• Screwdriver
• Sealant gun
• Utility knife

Once you’ve gathered your tools, follow these steps to install your new full-frame window:

1. Full-frame window installation doesn’t require you to strip the window down to the rough opening. Instead, remove the interior and exterior trim, but leave the siding in place.
2. Pry or cut out the windowsill and jambs.
3. Install new flashing.
4. Add new insulation before installing your new window unit.

Insert Window Installation

Gather the following tools for your insert window replacement:

• Caulk gun
• Hammer
• Power drill
• Pry bar
• Utility knife

Retrofitting windows with insert replacements is a bit simpler than the full-frame installation process—as long as the existing frame is in good condition. Follow these steps for an insert window replacement:

1. Remove the upper and lower sashes.
2. Pry out the parting and interior stops along the frame’s sides.
3. Insert the new pocket window and caulk it in place.

DIY vs. Professional Installation

Both full-frame and insert window replacements can be DIY jobs, but full-frame replacement usually requires more time, tools, and materials. Insert replacements can sometimes be more difficult if the existing window frame has shifted or warped, as fitting and sealing the replacement will be difficult. Either way, we only recommend DIY window installation if you need to replace one or two easily accessible windows on your home’s ground floor.

For larger or more difficult projects, we recommend hiring a professional window contractor. Window replacement experts can get the job done more quickly and safely than homeowners, particularly if the windows are located on the second floor or above. You’ll have to pay labor costs, which are usually between $40 and $65 per hour, but your home won’t be open to the elements for a prolonged amount of time.* It’s also worth keeping in mind that the warranties on many replacement windows only apply if an expert installs them. Many window installers will also offer glass door replacement.

We recently had a team member observe a professional Renewal by Andersen installation crew to learn what homeowners can expect on their installation date. Check out our full window installation guide to better understand the process for both insert and full-frame projects.

*Cost data sourced from HomeAdvisor.

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Impact on Existing Window Frame and Exterior Trim

Of the two processes, insert window replacement is less disruptive than full-frame replacement because it leaves the old window‘s frame intact and only requires the interior trim’s removal. This can be especially important for older or historic homes whose exteriors must remain undisturbed.

Full-frame replacement may or may not require exterior trim removal, but the siding will remain in place and you may improve the wall’s structural integrity by inserting a new frame. Full-frame replacement windows may also offer more curb appeal as they have a slightly larger glass space than similarly sized insert replacements and can let in more light.

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When To Choose Full-Frame Replacement

There are specific scenarios where full-frame replacement is the recommended or necessary option for window replacement.

Signs Your Window Frame Needs Replacing

Consider full-frame replacement if you want to change your window size and style or if you notice any of the following issues:

• Significant drafts or air leakage around the window
• Visible rot or decay in the window frame
• Warped or damaged frames that affect window operation
• Water damage or mold growth around the window opening

Benefits of Full-Frame Replacement

Full-frame replacement offers several advantages, including the following:

• Ability to change window size, style, or operation type
• Enhanced curb appeal with a completely new window look
• Improved energy efficiency through better insulation
• Long-term durability and performance
• Opportunity to address structural issues in the window opening

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When To Opt for Insert Window Replacement

Insert window replacement can be an excellent choice in certain situations, offering a balance of cost-effectiveness and improved window performance.

Ideal Scenarios for Insert Replacements

Consider inserting replacements in the following scenarios:

• Budget constraints make full-frame replacement impractical.
• The existing window frame is in good condition.
• The home’s exterior finish is difficult to disturb (such as stucco or brick).
• You’re satisfied with the current window size and style.
• You need a quick and less disruptive replacement option.

Advantages of Insert Windows

Insert window replacements offer several benefits, including the following:

• Improved energy efficiency compared to older windows
• Lower overall cost than full-frame replacement
• Opportunity to upgrade to double-pane or triple-pane glass
• Preservation of existing interior and exterior trim
• Quicker installation process with less disruption to your home

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Full-Frame vs. Insert Window Replacement: Impact on Visuals and Value

Choosing between full-frame and insert replacements can significantly affect your home’s appearance and market value.

Curb Appeal Considerations

Full-frame replacements offer the opportunity to completely transform the look of your windows, potentially enhancing your home’s curb appeal. You can change window styles, add decorative elements, or choose a different frame color to complement your home’s exterior.

Insert replacements, while less transformative, can still improve your home’s appearance by replacing old, worn window sashes with new, clean ones. However, you’re limited to working within the existing frame’s dimensions and style.

Resale Value Implications

Full-frame and insert replacements can positively impact your home’s resale value by improving energy efficiency and overall appearance. Full-frame replacements may offer a slight edge in value addition, especially if they address structural issues or significantly enhance your home’s visual appeal.

However, the return on investment for window replacements can vary. According to recent data, homeowners can expect to recoup about 68–72% of the cost of new windows when selling their homes.

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Our Conclusion

Whether you need to replace your entire window or only require a pocket insert, the best window companies, including Andersen and Marvin, offer a variety of block-frame and insert windows. Insert window replacements are quicker and less expensive to install, while full-frame replacements are slightly more durable and energy-efficient. The decision often comes down to budget and the condition of your existing window frames. Replacing a window or two may be a manageable home improvement project for experienced DIYers with the appropriate tools, but if you’re replacing every window in your home, we recommend opting for professional installation.

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FAQ About Full-Frame vs. Insert Window Replacement

What is the difference between full-frame and insert windows?

You would install insert or pocket replacement windows within your existing window frames. Full-frame replacements, on the other hand, require removing the current frame. Insert replacements are less expensive but also less energy-efficient.

How much does full-frame window replacement cost?

Full-frame window replacement can cost anywhere from $180–$1,500 per window depending on the window’s size, type, and frame material.

What are the benefits of a replacement insert window?

Insert replacement windows are less expensive to purchase and install. The installation process is also less disruptive as you only need to remove the interior trim.

How much does a replacement insert window cost?

Insert or pocket replacement windows tend to cost between $100 and $400 each.

What is the best time of year to replace windows?

It is best to replace windows when the weather is dry and slightly warm. Usually, this means the late spring or early summer, but this is when window contractors are at their busiest.

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Our Rating Methodology

We back up our window ratings and recommendations with a detailed rating methodology to objectively score each provider. We conduct research by speaking with company representatives, browsing product selections, analyzing window line specifications, and conducting focus groups and consumer surveys. We then score each provider against our review standards for window variety, value, trustworthiness and transparency, window features, and customer service to arrive at a final score on a 5-point rating scale.

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